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American
Express Credit Cards
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American
Express offers a variety of credit cards and charge cards for
consumers, small business owners and corporate customers. They
are separated below by credit cards (that allow you to revolve
balances) and charge cards (that must be paid off each month)
for each customer type. These cards have no annual fee, unless
otherwise noted.
American Express
Credit Cards - Consumer
Blue
from American Express -
Offers a 0% interest rate on purchases for up to 12 months,
and an APR after that as low as 10.99% depending on your credit
history. Also offers American Express' Memership Rewards Express
program that gives 1 point per dollar spent on the card, with
points redeemed toward travel, merchandise, more.
Blue
Cash from American Express -
Earn up to 5% cash back on gas, groceries and drug store purchases,
and up to 1.5% back on all other purchases. (Exact formula:
1% cash back on gas, groceries and drug store purchases and
0.5% on other purchases for the first $6500 spent with the card,
then 5% back on gas, groceries and drug store purchases and
1.5% back on other purchases.)
Also offers
a 0% interest rate on purchases for up to 12 months and a rate
after that as low as 11.99%, depending on your credit history.
Blue
Sky from American Express -
Earn 1 point per dollar spent with this card, then use those
points toward direct savings on travel purchases, up to the
full cost --- Every 7,500 points equals $100 off your travel
purchases, up to the full amount of the travel cost.
Also offers
a 0% interest rate on purchases for up to 12 months, then a
rate after that as low as 11.99%, depending on your credit history.
Costco
True Earnings Card from American Express -
Costco members or those who want to become Costco members can
apply for this credit card that gives generous cash back rebates
--- a 3% rebate on gas and restaurant purchases, 2% on travel
purchases, and 1% on all other purchases.
Delta
SkyMiles Gold Credit Card from American Express
- Earn 1 Delta Airlines SkyMile per dollar in purchases, plus
double miles when you use the card at stand-alone supermarkets,
drugstores, gas stations, home improvement and hardware stores,
on qualifying purchases at the U.S. Postal Service, on wireless
phone bill payments, and on Delta purchases. Also offers a 20,000-mile
bonus after your first purchase. No annual fee for the first
year, then $95 per year.
Delta
SkyMiles Platinum Credit Card from American Express
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Earn 1 Delta Airlines SkyMile per dollar in purchases, plus
double miles when you use the card at stand-alone supermarkets,
drugstores, gas stations, home improvement and hardware stores,
on qualifying purchases at the U.S. Postal Service, on wireless
phone bill payments, and on Delta purchases. Also offers a 20,000-mile
bonus after your first purchase (including 5,000 elite status
Medallion Qualification Miles). In addition, you'll get one
free companion Coach Class ticket each year upon renewal. Annual
fee is $150.
Hilton
HHonors Platinum Credit Card from American Express -
Earn Hilton HHonors points --- 5 HHonors points per dollar on
purchases at Hilton hotels worldwide and 3 HHonors bonus points
for every eligible dollar you spend on purchases. You can also
get a ton of bonuses --- 10,000 bonus points after your first
purchase with the card, a 2500-point bonus for each of your
first 4 stays at a Hilton hotel, and a 15,000-point bonus if
you spend $5000 on the card within the first 5 months. No annual
fee.
JetBlue
Card from American Express -
Earn Jet Blue Award Dollars and TrueBlue points --- 1 Award
Dollar per dollar spent, plus get a bonus 50 TrueBlue points
after your first purchase. If you're confused between Award
Dollars and TrueBlue points, here's the equation: 200 Award
Dollars = 1 TrueBlue Point, 100 TrueBlue points = one round
trip flight. $40 annual fee.
Starwood
Preferred Guest Credit Card from American Express -
Starwood is the parent company of hotel chains including Westin,
Sheraton, St. Regis, W Hotels, and more. This card allows you
to earn 1 point per dollar and use points at Starwood hotels,
or exchange points for frequent flyer miles on over 30 major
airlines. You can also get plenty of bonus points --- 10,000
Starpoints after your first card purchase, and another 15,000
if you spend $15,000 on your card in the first 6 months. No
annual fee for the first year, $45 per year after.
Blue
for Students from American Express -
Similar to the regular Blue credit card, including the Membership
Rewards Express program. Offers a slightly higher interest rate
and no 0% introductory offers.
American Express
Charge Cards - Consumer
American
Express Preferred Rewards Green Card -
The traditional American Express "Green" card offers
Membership Rewards points at one point per dollar, plus a 5,000-point
bonus after you spend $500 in the first 3 months of having the
card. Points can be used for merchandise or travel rewards,
including the ability to transfer points on a one-to-one basis
into frequent flyer programs of 17 different airlines. You'll
also get the American Express benefits you'd expect, such as
buyer protection and travel insurance.
The card
has no pre-set spending limit, but of course you must pay off
your balance each month. The Green card has no annual fee for
the first year, then it's $95 per year.
American
Express Preferred Rewards Gold Card -
If you move up to the American Express Gold Card, you'll get
similar benefits to the Green card, with a few extra perks.
First off, you'll get a bonus of 10,000 Membership Rewards when
you spend $500 with the card in the first 3 months of having
it, versus the 5,000-point bonus with the green card. You'll
also get access to some Gold Card-only events such as specials
on concert tickets, sporting events, theater tickets, more.
The card
has no pre-set spending limit, but of course you must pay off
your balance each month. The Gold card has no annual fee for
the first year, then it's $125 per year.
American
Express Credit Cards - Business
Blue
for Business from American Express -
Offers a 0% interest rate on purchases for 6, 9 or 15 months
when the physical card is used (versus Internet or phone orders),
and offers an APR between 7.49% and 14.49% otherwise. Also offers
the Membership Rewards Express program, which awards one point
per dollar and allows points to be redeemed for travel, merchandise,
gift cards, more.
Blue
Cash for Business from American Express -
Earn up to 5% cash back on purchases at American Express OPEN
business partners such as FedEx, Hyatt, Hertz and more, and
up to 2.5% cash back on other purchases. See card terms &
conditions for exact rebate formula, as different yearly spending
levels trigger different cash back amounts.
American
Express Platinum Business Credit Card -
Offers a 0% interest rate on purchases for 12 months when the
physical card is used (versus Internet or phone orders), and
offers an APR between 7.49% and 14.49% otherwise. Also offers
the Membership Rewards Express program.
American Express
Charge Cards - Business
American
Express Business Green Rewards Card -
The traditional American Express "Green" card for
Business offers Membership Rewards points at one point per dollar,
plus a 5,000-point bonus after your first purchase with the
card. Points can be used for merchandise or travel rewards,
including the ability to transfer points on a one-to-one basis
into frequent flyer programs of 11 different airlines. You'll
also get the American Express benefits you'd expect, such as
buyer protection and travel insurance.
The card
has no pre-set spending limit, but of course you must pay off
your balance each month. The Green card has no annual fee for
the first year, then it's $95 per year.
American
Express Business Gold Rewards Card -
If you move up to the American Express Gold Card, you'll get
similar benefits to the Green card, with a few extra perks.
For example, you'll get the same bonus of 5,000 Membership Rewards
when you use the card for the first time, but you can also earn
other bonuses based on your purchase amounts.
The card
has no pre-set spending limit, but of course you must pay off
your balance each month. The Gold card has no annual fee for
the first year, then it's $125 per year.
American
Express Corporate Card -
American Express offers a number of corporate credit card programs
for larger companies. You can get some basic information online
and express initial interest via an application, but ultimately
you will need to have an American Express representative contact
you to work out the details.
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